Some States and Cities offer assistance and grants that result in NO Down Payment for first time home buyers. Go to your Your-Road-Home.com, scroll down the left colum to article #8, its not in order so scroll way down, in the right colum of #8is a list of state agencies and links for grants and assistance. Also read the article Consultation Interviewing Loan Officers. Gather lots of information so as you interview loan officers you will recognize if they are famiiar with the first time buyer loans available to you. Also read the article on USDA loans-No Money Down.
After you have gathered info you will find loan officers offering their service through Trulia and some are very good.
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Best of Luck and most importantly dont let anyone discourage you from goal.
I strongly suggest you meet face-to-face with a Loan Officer and see what your options are. Down payment is not the only thing that will determine if you qualify, so it is important that you allow a Loan Officer to review all other necessary aspects.
If you need a Loan Officer, I am always available to meet in my office, not too far from Hempstead. Good luck!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797